Retirement Savings Calculator Spreadsheet
How big could your retirement savings get, and what would that buy at today's prices? Enter your age, retirement age, current savings, monthly contributions, a yearly increase, expected return, fees and inflation. The calculator compounds every month and builds a year-by-year projection. It shows your pot at retirement in future money and in today's money, how much came from contributions and how much from growth, and an illustrative first-year income using a withdrawal rate you choose (4% by default — a historical US rule of thumb, editable, not a guarantee). It compares that income with your target, works out the pot you would need and shows how long the money lasts as withdrawals rise with inflation. Two charts are included and it works in any currency.
Created with AI assistance. Not financial advice; for general information and planning only. It is not debt, investment, pension or tax advice, and no saving, payoff, return or retirement result is guaranteed. Results are estimates based on your own inputs; assumed rates are editable and illustrative. Calculators and figures are an illustration only, not financial advice; returns are not guaranteed. For free UK debt help: MoneyHelper, StepChange, National Debtline, Citizens Advice (named for information only; Fernbrook Guides is not affiliated with or endorsed by them). Excel is a trademark of Microsoft Corporation; Google Sheets is a trademark of Google LLC; Fernbrook Guides is not affiliated with either. Price includes VAT where applicable (collected by Lemon Squeezy, our merchant of record). Refunds: email teamaijjgroup@gmail.com within 14 days of purchase for a full refund; if a file is faulty, we fix it, replace it or refund you; your legal rights are not affected. Personal use only.